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Does home insurance cover boiler breakdown?

We have an old-school boiler in our home. It broke down last night and we don’t have any heat! We need it repaired and have home insurance. Will home insurance cover boiler breakdown?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that you’re without heat right now! Your home insurance may cover your boiler breakdown, depending on what caused the damage.
Home insurance typically covers damage from
16 perils
. Common covered perils that may have damaged your boiler are:
  • Sudden and accidental tearing apart, cracking, burning, or bulging
  • Freezing
  • Accidental discharge of water or steam
If these, or any other covered peril in your policy, caused the damage, you can submit a claim to your home insurance company. However, aging, lack of maintenance, mechanical breakdown, and regular wear and tear aren’t covered by home insurance policies.
To determine the cause of your boiler’s issue, you’ll want to call a repair service. Once you find the cause, call your home insurance company to see if you can submit a claim.
Keep in mind that your claim will likely be subject to a deductible, meaning you’ll have to pay a certain amount before your insurance kicks in to cover the rest.
Since insurance rates can increase after submitting a claim, consider using the
Jerry
app to find a lower rate. Jerry gathers personalized quotes from top insurance companies to find you the best prices and coverage for your needs, even with claims on your record.
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